Insurance Products
Miscellaneous Insurance
Specialist covers for risks the standard policies don't reach — from employee fraud to cash in transit.
Sanima GIC Miscellaneous Insurance brings together separately underwritten specialist policies — each with its own wording, proposal form and terms. Tell us your risk and we'll quote it individually.
Plans
Choose Your Plan
Fidelity GuaranteeEmployee fraud or dishonesty; acts up to 6 months before discovery or 6 months after the employee leaves.
Burglary & HousebreakingTheft following actual violent entry into your stated premises.
Cash in TransitCash moving within Nepal in the custody of authorised personnel.
Cash on PremisesCash in safes, strong rooms or almirahs; one policy per unit or branch.
Public LiabilityLegal liability for accidental third-party injury or property damage at your premises.
Product LiabilityClaims from defective products after they leave your control.
Professional IndemnityNegligent act, error or omission in professional practice; annual or project-specific.
Sports InsuranceAccidental death or disablement of sportspersons in practice or competition.
Loss of ProfitBusiness interruption following damage admitted under your Property policy.
All RisksSpecified property against any accident or misfortune, subject to its exclusions.
Coverage Details
What's protected, and what isn't
- Sudden, unforeseen physical loss (All Risks, Burglary, Cash)
- Dishonesty of employees (Fidelity)
- Legal liability to third parties (Public, Product, Professional)
- Accidental death and disablement (Sports)
- Interruption following admitted Property damage (Loss of Profit)
Before You Buy
Good to know
- Quoted to your risk — each cover is priced from its own proposal form, not a rate card.
- Windows matter — fidelity: tell us within 15 days of discovery; cash-in-transit employee dishonesty: police within 72 hours; most covers: notice within 14–35 days as worded.
- Liability covers are claims-made — with retroactive dates and annual aggregates that do not reinstate once paid.
- Theft covers expect controls — police reporting, proper locks and safes, cash records; burglary requires actual forcible entry.
- Separate policies, separate terms — each cover has its own wording, excess and conditions; your schedule shows yours.
Claims
Claim in 4 steps
- 1Notifywithin the window your policy states; late notice can void cover.
- 2Reportto police for theft, burglary, robbery or fraud.
- 3Documentaccounts, cash records, certificates, correspondence with carriers or third parties.
- 4Settleper your policy terms and schedule.
Questions
Frequently asked questions
No — each is quoted individually from its proposal form. Send the form and we'll come back with terms.
Fidelity Guarantee — it also covers acts discovered up to 6 months after the employee leaves.
Cash in Transit, with Cash on Premises for your safes and strong rooms.
Professional Indemnity covers negligent act, error or omission; a project-specific variant is available.
Not here — that's the Engineering page (Machinery Breakdown).
Full terms, limits and rate tables live here — not on this page.
Ready when you are
Estimate your premium in under a minute, or talk it through with our team.
Actions for Miscellaneous Insurance